218 Schooner Ln
Duck Key, FL 33050
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Year Built
About This Property
Rare oversized lot in the heart of Duck Key: 12,099 SF, a lot and a half, well above the typical 7,500 to 7,800 SF lots found throughout the island. The property offers 128' of frontage with a 100' lot depth, exceptional dimensions for a custom island retreat. The lot sits in a favorable flood zone, has no wetlands, and is free of invasive plant species, a clean canvas ready for design. Public sewer is available; no plans or ROGO permit convey with the sale, so buyer to verify with the county. Three houses down, new construction on a 7,500 SF lot recently sold for $2,000,000, underscoring the upside on a lot nearly double the size. Owner will consider owner financing with a minimum 50% down payment. Duck Key delivers the authentic Keys lifestyle: crystal clear waters, easy access to deep drops just outside the island for world-class deep sea fishing, and nearby sandbars like Grassy Key for weekend gatherings. The island is home to a Michelin-rated chef's restaurant, and an optional HOA offers a pool, tennis courts, and additional amenities. Duck Key also has a marina where owners can arrange paid boat storage ahead of storms or hurricanes. Unlike much of the Keys, Duck Key enforces monthly rather than weekly rental minimums, preserving a quieter, more residential feel with less transient tourism, the calm, tropical, island-style living Duck Key is known for. 2025 property taxes were $1,388, which does not reflect any exemptions.
Property Details
Property Type
Land
HOA
None
Listed Price
$399,000
Owner Financing Terms
Why Owner Financing?
- ✓ No bank qualifying
- ✓ Bad credit OK
- ✓ Fast closing
- ✓ Flexible terms
Free account - No credit card required
Frequently Asked Questions About Owner Financing in Duck Key
What is owner financing for 218 Schooner Ln?
Owner financing means the seller of 218 Schooner Ln acts as the lender. Instead of getting a mortgage from a bank, you make monthly payments directly to the property owner. This property in Duck Key, FL is available with owner financing terms.
Do I need good credit for owner financing?
No! One of the biggest advantages of owner financing is that you typically don't need to qualify through a bank. This makes it possible to buy a home even with bad credit, no credit history, or self-employment income that's hard to document.
How much is the down payment for this Duck Key home?
Down payment terms are negotiable. Sign up for free to get the specific financing details for this Duck Key property.